Roll d6 on [reader turns into a frog (or some other harmless animal); a wondering monster of the same level as the reader appears next to the reader and attacks with surprise; one magic item owned by the reader disappears (the item is chosen or randomly determined by the DM); the reader loses one level of experience (as if struck by a wight), with 1st level characters simply dying; the reader's prime requisite must be rerolled; wounds will take twice as long to heal, and healing spells only restore half normal amounts]